Richard Pate is a Series 66-registered financial advisor with Ameriprise, based in Miamisburg, Ohio, and has four years of industry experience. Prior to joining Ameriprise, he worked for seven years with the Hamilton City School District. Outside of advising, he owns Honey Harvest and Hens LLC, a farming business, and serves as an assistant tennis coach at a local high school. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing tax-aware retirement income planning focused on dependable income sources.

Anthony Anzer is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His career includes roles at Wells Fargo Advisors and Wells Fargo Clearing, and he has owned Anzer Wealth Planning & Financial Counsel since 2021. He also acts as an insurance agent, selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC is a large SEC-registered adviser serving individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing both affiliated and third-party managers across multiple program platforms.

David Heberling is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Passport Inc and Flexential. Heberling is a shareholder in a family business, Silver Lake Beach Club, a park with rentals in New Carlisle, Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Beverly Muller Ridgway is a financial advisor at Merrill with 35 years of industry experience, holding Series 63 and Series 65 licenses. She has been with Merrill since 1987. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model‑based and discretionary strategies created by internal and third‑party managers, serving individuals, high‑net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Gorczyca is a financial advisor with Equitable Advisors in Beavercreek, OH, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. His other business activities include various outside insurance carrier appointments with companies such as Medical Mutual, Humana, and Mutual of Omaha. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm uses a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.

Brandon Harrison is a financial advisor with Raymond James Financial, holding a Series 63 designation and bringing 32 years of industry experience. He previously worked for LPL Financial, LLC (Linsco/Private Ledger Corp.) for 23 years before joining Raymond James in 2017. Outside of his advisory role, he serves as a trustee for his family trust and is owner and branch manager of Harrison Wealth Management Group, Ltd. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and supports a broad network of advisors and affiliated firms.

Ronald Rosenbeck is a financial advisor with J.P. Morgan Securities in Kettering, Ohio, holding a Series 66 designation and bringing 23 years of industry experience. His career includes roles at JPMorgan Chase Bank and leadership positions in private businesses, including serving as a board member for Car Tune USA Inc. and co-owner of AREA, LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services, operating on a non-discretionary basis with a centralized due diligence framework.

Todd Lucius is a financial advisor at Ameriprise with 14 years of industry experience. He holds a Series 66 credential and has worked at Ameriprise since 2017, including prior roles at Thrivent Financial for Lutherans. Outside of his advisory work, Lucius serves on the Board of Directors and as Vice Chair of the Finance Committee at Sycamore Creek Country Club, teaches economics at Sinclair Community College, and coaches varsity basketball and golf at Dayton Christian School. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Mary McIntosh is a Senior Financial Advisor and Portfolio Manager with Merrill Lynch Wealth Management. She works with individuals and companies undergoing changes and transitions, focusing on evaluating and reviewing client plans to align with their unique financial goals. In her role as Portfolio Manager, she manages personalized and defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment options. Mary has been in the financial services industry since 1987. She holds a Bachelor of Science in Business from The Ohio State University and a Master of Business Administration from the University of Dayton. Her professional designations include Chartered Retirement Planning Counselor™ (CRPC™), Certified Divorce Financial Analyst® (CDFA®), and Personal Investment Advisor (PIA). Residing in Washington Township with her husband and three children, Mary supports her children's various pursuits and enjoys spending time with her family. Her personal interests include physical fitness activities such as running, golfing, and cooking, as well as watching movies. She has also served as a past board member of the Miami Valley Hospital Foundation, Eastway, and the Children’s Hospital Women’s Board.

Michael Kern is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 1990 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering a wide range of products and research to tailor plans based on clients’ goals and risk tolerances.

Deborah Lance is a financial advisor with Merrill in Miamisburg, Ohio. She holds Series 63 and Series 66 designations and has 26 years of industry experience, including 25 years with Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Federle is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He partners with clients to build customized investing and financial planning strategies that align with their goals, utilizing Fidelity's resources to create efficient and effective financial plans. Michael's prior experience includes serving as a Financial Consultant at Charles Schwab from 2017 to 2025, a Branch Manager at Scottrade from 2016 to 2017, and an Investment Advisor at Fidelity Investments between 2013 and 2015. This background has provided him with a broad perspective on investment management and client service. Outside of his professional responsibilities, Michael enjoys boating, fishing, fitness, football, golf, and traveling.

Samuel Rinehart is a financial advisor with Ameriprise in Miamisburg, Ohio, holding a Series 63 designation and 38 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he is a voting member of Ampex LLC, an entity that leases office space for his practice. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver personalized, non-discretionary retirement advice through a centralized consulting team.

Robert Bedinghaus is a CFP® professional with 11 years of industry experience, currently affiliated with Raymond James Financial in Lebanon, OH. Prior to joining Raymond James, he worked at Edward Jones for seven years. He is also an author working on a book targeted at near-retirees and early retirees. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals and institutional clients. The firm delivers tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs and specialized services.

Gregory Bonner is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on helping clients achieve their financial and retirement goals through prudent planning strategies. Greg employs a rigorous and disciplined goals-based wealth management process, advising clients on tax minimization, estate planning, retirement planning, asset allocation, and asset preservation strategies. Since joining Merrill in 2004, Greg has developed expertise in college education planning, corporate executive services, family wealth management strategies, institutional investment consulting, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategies, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Greg earned his bachelor's degree in Economics from Allegheny College. Greg lives in Mason with his wife Lauren, their son Luke, daughter Parker, and their dog Bear. He is involved in the community through organizations such as Big Brothers, Big Sisters, CHCA 3/4 Football Coach, Flag Fanatics, Mason Youth Basketball, and the Mason Youth Organization. He enjoys baseball, basketball, football, reading, running, skiing, and spending time with his family.

Jakob Cox is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and five years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Brigida Loucks is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 2010 and joined Merrill in 2020. Brigida focuses on helping affluent individuals develop personalized financial strategies tailored to their short- and long-term financial goals. Her expertise includes family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Brigida holds professional designations as a Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA). Brigida earned a bachelor's degree in Business from Marquette University. She and her family reside in Miamisburg and are active in the community, supporting organizations such as All Saints School and Ursuline Academy. In her personal time, Brigida enjoys biking, dancing, running, swimming, traveling, and spending time with her family.

Jennifer Fox is a financial advisor with Ameriprise in Springboro, OH, holding a Series 66 credential and 20 years of industry experience. She previously worked at The Huntington Investment Company and Huntington National Bank for a combined total of 14 years. Fox serves on the board of Family Services, a nonprofit organization. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Derrick Petry is a CFA® charterholder affiliated with LPL Financial and has over 26 years of industry experience. He previously worked at Fifth Third Bank from 1999 to 2025 before joining LPL Financial in 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Paul Macuski is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2012 and brings over 30 years of experience in the financial industry. His career includes roles in research and as Director of Trading for a private money manager. Paul's areas of expertise include family wealth management strategies, portfolio management services, and individual and corporate investment strategy. He holds a Bachelor's degree in Finance from Wright State University and has earned professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Paul resides in Miamisburg, Ohio with his wife Nancy and their three sons. Outside of work, he follows the latest business and market news, supports Cleveland sports teams, and enjoys baseball, basketball, bowling, football, music, watching movies, and spending time with his family.